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Out of Hiding
Three pros share advice for moving your cash, cautiously, into higher-yielding investments
Here's something to dream about: The broad U.S. stock market in eight different years since 1926 has gained at least 37%. Here's something to worry about: It's a risky, risky world.
With economies around the globe hurting, even the optimists have pretty modest hopes for stocks over the next few years. At the same time, you'll never make up your losses from 2008 if you stay hunkered down in a money-market account, many of which are yielding almost nothing.
Michael Cuggino, manager of Permanent Portfolio, part of the San Francisco-based Permanent Portfolio Family of Funds Inc., says he hears from friends who "don't want to deal" with their portfolios, or who want to put their money in a bank instead of the stock market. He understands the wariness. "If you need your money right away, that might be the best way to go," he says. But "by doing that, you're not positioning yourself for growth."
What makes for a sensible approach to investing these days? How can a small investor put together a portfolio now, as the downturn continues with unknown duration, for the eventual better times?
We asked Mr. Cuggino and managers at two other top-performing asset-allocation funds of the past decade to share their ideas for maneuvering through the turmoil. These are funds whose managers have the ability to roam across investment areas, increasing and reducing their exposure to cash, bonds and stocks within fairly large boundaries. Here is what we found.
"A lot of people have a fancy definition of risk," says Edward Studzinski, co-manager since 2000 of Oakmark Equity and Income fund, run by Harris Associates LP, a Chicago unit of French giant Natixis Global Asset Management LP. By contrast, he says, the definition he and his fund co-manager use is simple: "We don't like to lose money, period," he says.
Their fund is down 18.5% over the past 12 months in the top 9% of Morningstar Inc. MORN 0.47 % 's "moderate allocation" category. The fund has averaged an 8.1%-a-year return over the past decade, in the top 1% of peers.
Mr. Studzinski and his co-manager, Clyde McGregor, have "large personal investments" in the fund, and they think of their typical customer as a "guy in a factory who no longer has a pension," Mr. Studzinski says. "He wants to make money, but he wants to sleep at night." Mr. McGregor has managed the fund since 1995.
The co-managers generally keep the fund at about 60% stocks, 40% bonds, but as of early last month they had about a 50/50 mix.
The recent market rally hasn't changed the fund's more cautious stance. "I still view it as the occasional bull rally in a bear market," Mr. Studzinski says, adding that "real problems" in the economy "will take some time to work through."
That said, he adds, as tough as it may be to plow money into stocks after big losses, most "people are still going to need investments in stocks for their entire lives. That's the only way I can think of to provide some kind of kicker against inflation."
Their most basic rule for picking stocks is keep it simple.
Never invest in something you can't understand, even if it is recommended by a very smart financial adviser. "If we can't explain why we're investing in [a stock] in one or two declarative sentences, then we probably shouldn't be investing in it," Mr. Studzinski says. For instance, the fund hasn't owned big banks for years "because the transparency and ability to understand all the moving parts became very difficult," he says.
The managers like companies that generate a lot of cash and that don't need to tap the capital markets for the foreseeable future—about two or three years. "If a company says it may need to go to the debt market in a year or two because bonds come due, we're probably not interested in that," he says.
Recently, the fund has invested in industries such as defense, health care and consumer goods—sectors from which the managers expect consumers or the government to continue to buy goods and services, regardless of how bad the economy gets.
Morningstar notes that the fund charges a below-average expense ratio of 0.81%-a-year of assets; the average asset-allocation fund charges 0.87%. As investors navigate through what has been termed unprecedented times, one constant is that lower investing costs means that more of the gains stay in their pocket.
Mr. Cuggino, a certified public accountant who has run the Permanent fund since 1991, says many mutual-fund managers and investors try to predict the outcome of the many weak spots in the economy, from housing to unemployment, to figure out how to deploy money. He says there isn't a need to do that if you build a portfolio with a broad array of investments. That way you are prepared for multiple potential outcomes, he says.
"We believe that people can't accurately predict the future on a consistent basis, and even if they get the concept right, they might get the timing wrong," he says.
Specifically, the Permanent Portfolio spreads its money across six asset classes with these allocations as of last month: Treasurys, 35%; gold, 20%; growth stocks, 15%; real estate and natural resources, 15%; Swiss franc assets, 10%; and silver, 5%.
The stocks should provide a kick under normal economic conditions. Treasurys are there for the tough times that are all too familiar at this point. The gold stake is designed to preserve purchasing power against the dollar should inflation hit. Mr. Cuggino believes such inflation may be ahead due to the government's stimulus package if inflationary pressures aren't addressed quickly enough by the government.
Of course, there's a trade-off: This type of portfolio will trail during market rallies, because so many of the holdings are designed to outperform during periods of stress. But it should do better than most other funds during recessionary periods—as it has during the current one: Its 10.9% loss over the past 12 months, as the Standard & Poor's 500-stock index returned a negative 35%, including reinvested dividends, puts it in the top 14% of Morningstar's "conservative allocation" category. It has averaged a 8%-a-year return over the past decade, putting it in the top 1% of its peers.
Mr. Cuggino says investors who don't need their money for a matter of years would be smart to buy stocks. "Stocks are a good buy right now for a long-term investor who doesn't need to raise cash, has a stomach for volatility, and believes the economy will recover—and I put myself in that category."
For people who want to move out of money-market and bank-CD hiding places but just can't stomach the risk, the approach of Steven Romick, manager of FPA Crescent Fund since 1993, may hold appeal. Mr. Romick limited his fund's losses over the past year by keeping a heavy weighting in cash and other liquid assets, and had about 30% of its money in debt securities as of last month.
His fund, part of First Pacific Advisors LLC in Los Angeles, has returned a negative 18.9% over the past 12 months, in the top 10% of Morningstar's "moderate allocation" category. But over the past 10 years, it has posted average annual returns of 7.5%, in the top 1%.
Mr. Romick believes that stocks will continue to rally but that "they are still volatile, and I don't need that extra volatility," he says.
Corporate bonds are hardly risk-free either, he says. Many bonds took losses in 2008, and most corporate bonds carry bigger risk premiums relative to Treasury debt because of investors' fear of mounting defaults in the recession.
As of last month, the fund had 29% in cash or liquid assets, down from 50% a year ago. "There's still a lot of uncertainty, but [cash and liquid assets] have been a margin of safety for the fund, and we've felt less of a need for that margin of safety," Mr. Romick says. Last month, the fund had about 35% of its money allocated to stocks, while about 6% was in bearish bets on stocks.
Mr. Romick says he likes having the freedom to invest in a company's bonds if he thinks they are a better opportunity than the stock. For instance, he recently bought the debt of International Lease Finance, the aircraft-leasing unit of insurance giant American International Group Inc., one of the companies now being bailed out by U.S. taxpayers.
Mr. Romick's advice to consumers in choosing advisers and fund managers: "Focus on people who have a proven ability to protect capital in downturns."
Write to Jennifer Levitz at firstname.lastname@example.com


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Applications for the 2011 Herb Kohl Educational Foundation Excellence Scholarship can now be obtained in the principal's or counselor's office at Wisconsin public, religious and independent high schools; from the Wisconsin Parents Association homeschooling-WPA.org; and from the Herb Kohl Foundation kohleducation.org." target="_blank">kohleducation.org. A total of one hundred $1,000 scholarships will be awarded next spring.
Applicants must be residents of Wisconsin who will graduate from high school in 2011 and plan to continue their education at a college, university or vocational/technical school. Students will be evaluated on academic achievement, leadership, citizenship and school and community activities.
Completed applications are due in November. The exact date is determined by individual schools. Students should contact their high school principal or counselor, or go to kohleducation.org for an application form and detailed information on the eligibility criteria. The number of applications each high school may submit is based on student enrollment.
This is a competitive scholarship and recipients will be chosen by a state-level panel composed of representatives from the Wisconsin Newspaper Association Foundation, Cooperative Educational Service Agencies, Wisconsin Council of Religious and Independent Schools, Wisconsin Parents Association, several education-related associations, and community representatives.
Since the program was established in 1990, the Herb Kohl Foundation has awarded 2,100 Excellence Scholarships to graduating Wisconsin high school students totaling $2.1 million.
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- North Shore Police Reports: June 18, 2015
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- University School of Milwaukee students aim to provide 60 mattresses to homeless shelter

subset: commoncrawl


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Standards & guidelines for prescription medicines
12 April 2016
Registration process
- Australian Regulatory Guidelines for Prescription Medicines (ARGPM)
Guidelines to assist applicants and sponsors to register new prescription medicines or vary existing registrations in Australia including information about the Common Technical Document (CTD) format
- Electronic submissions
The TGA is now transitioning to fully electronic submissions
- Minor variations to registered prescription medicines: Chemical entities
This document provides guidance for making minor variations to existing ARTG entries
- Minor variations to registered prescription medicines: Biological medicines
This document provides guidance for making minor variations to existing ARTG entries
- Scientific guidelines
Lists of European Union Guidelines relating to medicines, both those published as adopted in Australia and those published as not adopted in Australia
- Risk management plans for prescription medicines
A Risk Management Plan (RMP) is a set of pharmacovigilance activities and interventions designed to identify, characterise and manage risks relating to a medicine
- Literature based submissions
This document will assist sponsors in compiling a literature based submission (LBS)
Post-market monitoring
- Australian pharmacovigilance requirements and recommendations for medicine sponsors
This document sets out requirements and guidance for the reporting of adverse reactions and significant safety issues for both registered and listed medicines regulated by the TGA.
- Medicine shortages information
The Medicine Shortages Information Initiative provides information about prescription medicine shortages in Australia
- Joint TGA-Medicines Australia guidelines for the design and conduct of company-sponsored post-marketing surveillance (PMS) studies
These guidelines apply to company-sponsored post-marketing surveillance studies of drug safety and toxicity
General information
- Colourings used in medicines for topical and oral use
Lists the colourings that may be used in topical and oral medicines, the regulatory and data requirements for new colourings
- Best practice guideline on prescription medicine labelling
Guideline to guide pharmaceutical sponsors and TGA assessors in the design and review of the acceptability of prescription medicine labelling
- Australian Public Assessment Report (AusPAR) guidance
Information about the structure, and processes for the compilation, review and publishing of an AusPAR
- TGA approved terminology for medicines
Lists of Australian Approved terminology that ensure accuracy and consistency in the information compiled in the ARTG. For medicines, the lists cover substances (active ingredients and excipients), containers, dosage forms, routes of administration and units of expression and proportion.


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|Message view
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|"Chris Reeves" <CRee...@medfusion.net>
|RE: Emailing Build results
|Tue, 04 Mar 2003 21:09:53 GMT
I use a slightly different approach to have the buld results sent. First, I created a second, separate ant build script that wraps my build.xml file. This second script checks the project out of cvs, then executes the build.xml present at the root of the project. When the ant call completes, the log file is attached to a mail message. This occurs even if the wrapped build fails. I'm sure there's a cleaner way to do this, but it has run for months with no problems. Additionally, it's great to see the "Failed" or "Succeeded" on the subject line, so I don't have to open each message and scour the logs just to discover the build succeeded. Chris ... <snip> <!-- ======================================================================== ======== --> <!-- Target: build_project --> <!-- ======================================================================== ======== --> <target name="build_project" depends="init, clean, cvs_checkout"> <echo message="Executing ant file ${project.root.dir}/${project.antfile}"/> <exec dir = "${project.root.dir}" executable = "/usr/java/ant/bin/ant" output = "${log.dir}/nightly_build_results_${filename.suffix}.txt" resultproperty = "project.build.result" outputproperty = "project.build.output"> <arg line = "${project.anttarget}"/> </exec> <echo message="Done."/> </target> <!-- ======================================================================== ======== --> <!-- Target: send_notification --> <!-- ======================================================================== ======== --> <target name="send_notification" depends="init, build_project"> <condition property="build.result" value="Failed!!!"> <equals arg1="1" arg2="${project.build.result}"/> </condition> <condition property="build.result" value="Succeeded!!!"> <equals arg1="0" arg2="${project.build.result}"/> </condition> <mail tolist = "${to.address}" from = "${from.address}" subject = "${build.result} ${project.longname} Nightly Build - ${build.time}" mailhost = "${smtp.server}" messagefile = "${log.dir}/nightly_build_results_${filename.suffix}.txt"> </mail> </target> </snip> ... > -----Original Message----- > From: Alexei Betin [mailto:firstname.lastname@example.com] > Sent: Tuesday, March 04, 2003 4:01 PM > To: Ant Users List > Subject: Emailing Build results > > > what are reasonable options for emailing nightly Build results? > > MailLogger seems to have no way to attach the build log > or use properties in Subject, > > also I am already using NoBannerLogger - which leaves no > place for MailLogger... > > <mail> task cannot help me, because if I put it at the end > of my build script, and the build fails, it'll never get to > execute it. > > Is there a way to ensure a task is always called at the end? > maybe using different build files with <ant> or <antcall>? > <parallel> would not help me here because it can only wrap > tasks and not targets... > > Finally, I understand I can write my own Logger, > but for a couple of reasons I don't want to - I would > rather prefer to get the job done by some batch file, > but I wonder if I am missing a nice pure-Ant solution > > Thanks, > ~Alexei > > --------------------------------------------------------------------- > To unsubscribe, e-mail: email@example.com > For additional commands, e-mail: email@example.com > >
|View raw message


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DEFINITION of 'New Zealand Superannuation Fund'
A New Zealand government fund established in response to the projected increase in the cost of funding the New Zealand Superannuation (NZS) - the retirement benefit paid to all eligible citizens aged 65 and over - due to the country's aging population.
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BREAKING DOWN 'New Zealand Superannuation Fund'
The fund was established in 2001 and is governed by a separate Crown entity called the Guardians of New Zealand Superannuation, which is overseen by a board selected by New Zealand's Ministry of Finance. It is a funded on a "pay as you go" basis, which means that the cost of paying NZS in any given year is paid from the taxes levied on incomes of the working population in that year. The fund's assets totaled $15.8 billion by May 2010, and its size is not projected to peak until 2056.
SuperannuationAn organizational pension program created by a company for the ...
Reserve Bank Of New ZealandThe Reserve Bank of New Zealand is New Zealand's central bank ...
New Zealand Stock Exchange (NZE) ...The securities market in New Zealand. The New Zealand Stock Exchange ...
NZD (New Zealand Dollar)The currency abbreviation or currency symbol for the New Zealand ...
NZD/USD (New Zealand Dollar/U.S. ...The abbreviation for the New Zealand dollar and U.S. dollar (NZD/USD) ...
Capital Goods Price Index - CGPIAn economic index computed by the New Zealand government that ...
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How Does US Social Security Measure Up Abroad?Social Security is a hotly debated topic. After examining the retirement plans of three different countries, the U.S.'s does not come out the winner.
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Are We Looking At A Retirement Age Of 70 Soon?Other countries have been hiking their retirement age. What would make the U.S. government go in that direction?
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The Top 5 Countries for Dividend Investing (WBK, BBL)Read about the five best foreign countries for American dividend investors, based on a ranking of their average after-tax dividends and tax-withholding laws.
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text: We use a lender that can talk and walk you through the process and it free. Click on the web site below and in the referred by block pub "TEAM FLOYD' and it's 100% free to start the process, and find out what this program does for you. Feel free to give us a call if you have any questions.


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Los Angeles USD students will not receive iPads, after all.
In February, LAUSD Superintendent Ramon Cortines told reporters that he does not believe the district has the funds to pay for technology for every student.
You think math and English have high standards? Try the arts.
The National Core Arts Standards were released in October. They update the initial standards released in 1994, which included instructional guidelines for dance, music, theater and visual arts.
Princeton City Schools in the Cincinnati, Ohio, area has the fifth-largest complex in the state, a 555,000-square-foot education center housing a middle school, high school and community center that will be complete this year.
The superintendent and school board created a plan in 2009 to secure funding for the unprecedented project in the district. The $130 million construction cost was paid for through a bond levy, government programs and Ohio's HB 264 Energy Conservation Program.
For the third year in a row, policymakers are making significant investments in state-funded preschool programs. Nationwide, state funding for preschool increased by $672 million this year, to a total of $6.3 billion.
A magnet program in the booming field of computer game design draws career-focused high school students from across Florida's sprawling Hillsborough County school system.
Middleton Magnet High School houses four STEM programs, including the Academy of Computer Game Design, which opened in fall 2008 with a four-year, four-course track.
Arizona and North Dakota in January became the first two states requiring high school graduates to take a U.S. citizenship exam.
Legislators in 14 others states recently introduced similar initiatives in a what's been labeled as an effort to better prepare students to participate in a democratic society.
Districts including Los Angeles USD and Dallas ISD will expand after-school supper programs this year, responding to the growing number of students who don't get an evening meal at home.
Nationwide, the number of students served dinner or an after-school snack reached nearly 1 million last year. In 2010, the Healthy, Hunger-Free Kids Act expanded after-school meal programs to all 50 states after piloting them in 13 states and the District of Columbia.
Today's students may be skilled at texting and social media, but many are unable to perform online research and distinguish accurate information on the web, according to a new study.
A restorative justice program that focuses less on suspensions and more on students making amends for disruptive behavior is gaining traction in Oakland USD, and will be implemented in all of the district's 86 schools over the next five years.
Education advocacy group ASCD is calling for a two-year moratorium on using standardized test results for teacher or school evaluations. The move represents a growing push nationally to cut back on testing and limit its use as an accountability measure because it may not accurately reflect a teacher's classroom performance.


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It was shot over the period of a week last June but has only been released today.
It is part of the photographer, videographer, and time-lapse specialist's project called Around the World in Hyperlapse. You can follow the project at the team's Facebook page.
Give a Gift
If you enjoyed this article, please consider making a gift to help Kuriositas to continue to bring you fascinating features, photographs and videos.
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This page requires a MaxPreps membership account.
Don't stress... It's free and easy to setup.
The Boone Braves volleyball team won Tuesday's away conference match against rival school Dr. Phillips by a score of 3-2.
(September 11, 2012: Orlando, FL 32819) Boone Braves (Orlando, FL) supporters left the game in high spirits Tuesday as they observed their volleyball squad hold off the host Dr. Phillips Panthers (Orlando, FL), 3-2 in a league match.
Next up, the Braves clash with the Holy Trinity Episcopal Tigers (Melbourne, FL) in a non-league contest, on Saturday, September 15. Boone will attempt to better on its 3-1 season record.
With the loss, Dr. Phillips moves to 3-4 on the year. The Panthers travel to Lake Nona (Orlando, FL) to face the in a non-league contest on Wednesday, September 12. The go into the contest with a record of 2-1.


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Having skiied many of the hills in the upper midwest, this one is absolutely awesome and is sets itself apart from the rest of the midwest hills by a longshot. If I had to explain it in one word, that word is TERRAIN. An intermidate skier can find lots of places to work technique and stay interested in whats around them. Advanced and expert skiers will find themselves picking from tree runs, mougals and steeps that will keep them sharp, too (when you think you're ready, visit "The Plunge" on Moose Mountain, I promise its aptly named). If the midwest is your primary ski area, Lutsen (at about 1090 verticle feet) is a fantastic change of pace from the majority of the hills that are in the range of 300-600 verticle feet. Yes, it's kind of a long trip to get there, but the reward is extended runs with a variety of terrain and - if you have never been on a hill this size - you will walk away a better skier than you were on arrival. The lift ticket price, for what you get, is not out of line. I can go elsewhere and pay less, and I will also get less, I'm not sure where the complaint comes in on the ticket cost. Lift lines near the main lodge need to speed up, but I believe there is another lift going in that may help that. Food prices are high, not unlike going to a major league sporting park, but the food isn't exceptional compared to any other hill. If management could focus on a bit more variety and quality and a little less cost (especially the lodge on Moose Mountain), it could make Lutsen more attractive - in short, suck up a little less profit on the food and make it an attractive feature of a visit, not the irritation. All in all, if you can't afford a trip west but still want a ski trip worth your time with challenge, view and variety, Lutsen in the upper midwest has to be on your short list of hills to try.
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Thursday night July 11, 2013 The RSVP Show Band headlined the opening night of the 15th Annual Heritage Concert Series. Their set began with a tribute to The Temptations. Join us this Thursday night starting at 6pm for more family fun at Mayme Moore Park 867 Mt. Vernon Avenue. Watch a brief clip of their performance above!
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This Week's Celebrity Instagrams (12/12-12/18)
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Alberta Beef Producers and the provincial and federal governments have agreed to a five-year partnership to advance research and extension activities related to the forage and beef sectors in the province.
The agreement has specific, measurable, long-term strategic goals:
- Build and maintain research and extension capacity;
- Reduce winter feeding costs by 50 per cent;
- Reduce environmental footprint of the cow herd by 15 per cent;
- Improve cow efficiency by 15 per cent;
- Reduce backgrounding costs by 50 per cent;
- Improve late-summer/fall pasture productivity by 30 per cent.
The concept for the Alberta Beef, Forage and Grazing Centre arose from producer and industry group concerns regarding the need for essential applied forage research and extension for beef producers in Alberta.
The centre is a virtual one. Much of the core expertise is currently located at the Lacombe Research and Development Centre, but additional activities will be carried out through collaborations with partners, industry, and academia at other locations, both in the province and interprovincially.
"The centre's commitment to collaborative science will provide Canada's beef and forage sectors with the tools they need to remain competitive on the global stage," said federal Agriculture Minister Lawrence MacAulay.
Alberta Beef Producers will provide $25,000 per year for this initiative, funds permitting, to augment work being done by federal and provincial researchers.
"This agreement demonstrates the commitment of beef producers in Alberta to forage and beef research and extension efforts across the province, while encouraging co-ordination and collaboration between current research and extension initiatives," said Greg Bowie, past ABP chair.


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Take advantage of the myriad of benefits and services available to you as a graduate of the Law School and Villanova University.
For benefits available through the Villanova University Alumni Association, including discounted insurance products and special rates at area hotels, please click here.
Villanova University School of Law
299 North Spring Mill Road
Villanova, PA 19085
Phone 610-519-7054
Fax 610-519-7185
Email Development


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Executive assistants get to take part in the action of businesses that aspire to do great things. You work directly with the CEO or other business leaders to help the company achieve their goals. You deal with agendas and everything that keeps the office moving at a steady and reliable pace.
By completing suitable executive assistant training, you will be better placed to begin working in this field. This page tells you about what is required, what you can earn, and more … You might also like to check out the Secretary Training and Office Administration pages.
Executive assistant training
There are training programs available both on-campus and on-line and they vary in length. It really depends on what field you hope to work on and what career aspirations you have. Distance learning can work well for this field since you will be doing a lot of your work using a computer once you are out in the work force.
Because of the nature of such a career, you do not usually need much experience to get into the program. You get all of the training you need, so a demonstration of skill is not necessarily required- but this will depend on the school you choose to apply to. Some do request that you come into the program with at least one year of experience in an office, while others merely require that you have a High school education.
In your training you should get hands on learning, and graduate with organizational skills, self-motivation and the ability to work without supervision, the ability to participate in professional communication, and an understanding of technology that you may end up working with. Secretarial and office support skills are essential especially when you plan on working at an executive level.
Most programs will offer you access to these skills and required knowledge so that you will be successful in an ever-changing office environment. The interpersonal, technological and communication skills that are important for success should be offered no matter where you choose to go to school. Be sure to ask if you are not sure of what is being offered to you so that you take control of the education you will receive and make the most out of your money. Compare the course content of several programs before deciding which to take.
The prospects after training
Most executive assistants are the support system for high level executives and in this position you might be referred to as an executive secretary. An entry level position can begin a long and fulfilling career with a company you you are loyal to because you work on the front lines. You will typically work a 40 hour work week at a desk. Sometimes, you will even be travelling with the person you work with.
Some specialized executive assistant jobs can be found at medical or law firms, and even schools or colleges. The average executive assistant salary is over forty thousand and you can always work your way up the salary and job role chain. Priority for the good, high-paying jobs will go to candidates with training and experience working with software and presenting yourself in a professional manor.
Suitable training can really help you get the executive assistant career that will satisfy you and make you enjoy going to work. There are many jobs to apply for (over 1.3 million in the United States), and if you have the qualifications necessary to work with the biggest and the best, you open yourself up to great opportunities.
List of schools and programs
- Administrative Assistant/Secretary
Fortis Institute can give you the skills you need to train for a career in the healthcare field.
* Programs vary by location
* Please contact each individual campus for accreditation information
- Professional Administrative Assistant
You can get started on a new career with Institute of Technology. We offer diploma and associate degree programs for careers in the culinary, technical, medical, business, and legal fields.
For more information about our graduation rates, the median debt of students who completed the program, and other important information, please visit our website at www.iot.edu/disclosure.
- Administrative Office Professional
Sullivan University is a private institution of higher learning dedicated to providing educational enrichment opportunities for the intellectual, social and professional development of its students.
- Executive Administrative Assistant Diploma
- Legal Administrative Assistant Diploma
- Associate of Science in Legal Office Management
- And more...
No matter what occupation you choose to pursue, the competition for a good job is fierce. Lansdale School of Business (LSB) can help you stand out from the rest by teaching you the specific skills you need to succeed in the career you desire.
- Diploma-Administrative Office Specialist
- Associate Degree-Office Operations Management
- Oil & Gas Administrative Assistant
- Legal Administrative Assistant
- Office Administration
- General Office Assistant
- Administrative Assistant
Virginia College continues the tradition ofgiving lives new direction, fulfilling our mission statement tostudents wherever they live and offering the chance to pursue adegree while maintaining commitments to work and family.
- DIP - Business Office Specialist
At American Institute, we believe you can become whatever you want to be, and we're ready to help you get there. We pride ourselves on working hard to deliver quality, innovative education to our students that gives them the skills to begin or enhance their careers. We try to help our students meet their goals of changing or enhancing their careers, and also help prospective employers of our graduates in meeting the workforce needs of the 21st century while actively participating in the communities we operate within.
- Administrative Office Professional


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Hospital Produces Hand Washing Michael Jackson Tribute
Jefferson University Hospital has elevated hand washing to an art form. The hospital put together an impressive video that serves as a tribute to the king of all music videos, Michael Jackson. This organization's latest effort to boost healthy hand washing practices is a video called "Wash 'Em."
Friday Funny: Wash 'Em, Just Wash 'Em
Today's Facility Manager has been monitoring the hand washing debate for many years. From the paper towel vs. hand dryer controversy to the explosive increase in the use of hand sanitizers in public rest room facilities—especially during nasty seasonal virus outbreaks—hygiene in public facilities is an ongoing concern. Jefferson University Hospital has elevated hand washing to an art form. The hospital put together an impressive video that serves as a tribute to the king of all music videos, Michael Jackson. This organization's latest effort to boost hand washing is a video called "Wash 'Em." Sure, it's entertaining to see members of the staff dance around the hospital, but there's also a nice little demonstration that shows exactly "How to Handwash" at the 3:00 minute mark of the video (perfectly synchronized with the extended guitar solo). Make sure to share this video and don't forget…"Wash 'Em!"
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Topic Tags: Blog-May-2014, hand washing, Jefferson University Hospital, Michael-Jackson, Sanitation
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Where can I buy a good racket. Thanks, Varghese
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Show up tonite at NS. I am bringing bunch of merchandise for sale tonite. Bernard
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To Apply...Complete ALL 6 Steps Listed Here by August 1, 2016.
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Welcome to the Arc!
Our mission is to promote respect, create opportunities, and advocate for equal rights for all people with intellectual and developmental disabilities. Thank you for visiting our site!
Employment Opportunities
Do you know about our employment services?Learn more.
Superhero Run
Be a Superhero ~ Run for a Reason was held June 4th at Quiet Waters Park.
Apply Today
Applications are now being accepted for both grant programs; Family Supports and The Bowen Foundation for Autism.
Our programs are uniquely centered around the individual –a path to a person's ultimate level of independence and abilities.Discover the programs and services we provide.
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Business Development / Sales Intern
A.R.C. Marketing, Inc — Albuquerque, NM
April 08 2015
A.R.C. Marketing handles promotional marketing, sales and advertising, as well as new customer acquisitions for our clients. We have contracts with fortune 500 companies as well as the biggest satell…
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We are seeking a Receptionist/Office Assistant with outstanding client service skills on a multi- line telephone system. This person will be the first contact for prospective clients of our law firm a…
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by Colin McIntosh
The pressure to achieve the perfect body shape is greater than ever before, for men no less than women. At the same time, rates of obesity are at their highest level ever. These two related facts are reflected in some new additions to the Cambridge English Dictionary. Much of the vocabulary relates to our bodies and how we see them.
An objective measure of how overweight or otherwise we are is given by the BMI or body mass index: a measurement of our weight in relation to our height. But the way we see our bodies ourselves is very often not objective: we may have a body image that is very different from the way other people see us, with the result that we become irrationally unhappy with our appearance. This condition is called dysmorphia, and can lead to body dysmorphic disorder, a mental illness in which a person spends a lot of time worrying about how he or she looks and wrongly believes there are problems with his or her appearance. We look in the mirror and we see something very different from the actual image that is reflected back at us. Continue reading "The body beautiful"


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"WDC Get Hyped" In which Eric and Nathan get so hyped that they decide to buy tickets and simply go to the tournament, thanks to the masterful salesmanship of their esteemed guest and fearless hobby leader and World Diplomacy Convention host: Jim O'Kelley. Also, before all that, Nathan and Eric talk on the issue of "skipping dots", which you are sure to find enriching.
© Copyright 2015 DiplomacyCast.com. All rights reserved. Diplomacy is a registered trademark of Wizards of the Coast LLC, a subsidiary of Hasbro, Inc. All other trademarks are property of their respective owners. Email Us.


text:
With elections coming up next year, education reform is more important than ever, says Tom King.
Filed in: Activism Education United Kingdom
Page 2 of 10
With elections coming up next year, education reform is more important than ever, says Tom King.
Filed in: Activism Education United Kingdom
Are pharmaceutical companies exploiting the poor, or is being a human guinea pig just a clever way to fund college?
Filed in: Education Pharmaceuticals
The impact on children of the deadly virus will outlast the immediate crisis, writes Gabriella Jozwiak.
Filed in: Children Education Health Liberia Sierra Leone
As college tuition fees keep soaring, Mark Engler wonders what the future has in stake for him.
Filed in: Education United States
Niki Seth-Smith predicts an end to the country's brain drain.
Prevent singles out Birmingham student as domestic extremist, finds Josh Allen.
Such 'aid' will only ever lift a few out of poverty, argues Dan Falvey.
Filed in: Development Education NGOs Poverty
Lana Groves argues that the best way to reduce fertility rates is to improve women and girls' schooling.
Filed in: Education Population Women
Hannah Garrard reports from Monrovia on a crisis in Liberia's education system.
Where have the traditions of intellectual freedom gone? ask Benoit Dutilleul and Holly-Rae Smith.
Glitter Moreño shares images of a rural project in the Philippines, where parents are learning essential skills alongside their children.
Filed in: Education Philippines
Videos from visionOntv's globalviews channel.


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Francisco Liriano News Archive
Francisco Liriano, Pit SP
Liriano (6-10) lasted just 3.1 innings in a home start Tuesday, allowing seven earned runs on eight hits and four walks while receiving the loss. He struck out three.
Liriano, who leads the major leagues with 62 walks in 105.1 innings, walked no one Thursday in 6.2 innings against the Brewers.
Liriano (6-9) struck out 13 while holding the Brewers to three runs (two earned) on four hits over 6.2 innings in a winning effort Thursday.
Liriano (5-9) gave up three earned runs on five hits and four walks in Friday's 5-1 loss to the Nationals. He struck out five.
Liriano allowed three earned runs in six innings Friday, giving up five hits and four walks while striking out five batters.
Liriano will start against the Nationals on Friday, Rob Biertempfel of the Pittsburgh Tribune-Review reports.
Liriano didn't factor into the decision against the Cubs on Friday, giving up two runs (one earned) on three hits and three walks over five-plus innings. He struck out three.
Liriano will stay in his original spot in the rotation and pitch Friday against the Cubs, Adam Berry of MLB.com reports.
Liriano will have his next scheduled start bumped back to Saturday against the Cubs, Rob Biertempfel of the Pittsburgh Tribune reports.
Liriano (5-8) allowed three runs on six hits and one walk while striking out two over five innings to earn the win Sunday at the Athletics.


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Networks of workstations and high-performance microcomputers have been rarely used for running high-performance applications like multimedia, simulations, scientific and engineering applications, because, although they have significant aggregate computing power, they lack the support for efficient message-passing and shared-memory communication. In this paper we present Telegraphos, a distributed system that provides efficient shared-memory support on top of a workstation cluster. We focus on the network interface of Telegraphos that provides a variety of shared-memory operations like remote reads, remote writes, remote atomic operations, all launched from user level without any intervention of the operating system. Telegraphos I, the first Telegraphos prototype has been implemented. Emphasis was put on rapid prototyping, so the technology used was conservative: FPGA's, SRAM's, and TTL buffers. Telegraphos II, is the single-chip version of the Telegraphos architecture; its switch was implemented and its network interface is being debugged
A not-for-profit organization, IEEE is the world's largest technical professional organization dedicated to advancing technology for the benefit of humanity.© Copyright 2016 IEEE - All rights reserved. Use of this web site signifies your agreement to the terms and conditions.


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you are viewing a single comment's thread.
i believe Chambers is playing politics with Cisco. he wants to be able to bring the cash home at 5%, and he will try everything in his power to do so. i can't blame him for that.
one other thing i didn't mention is that Cisco grew 7% last year. SEVEN PERCENT! last quarter, because of the restructure, the profit was up 20%.
the forward p/e is 8, and if you exclude the cash, it is probably 6. Cisco is by far the cheapest stock in the DOW considering its growth, cash, and the future of the internet and smart phone.
i can't blame anyone for not buying at $16. it is much easier to buy at $21 than $16.


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Atlanta, GAUSA
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October 12, 2013
Hi! have been kayaking (tandem) before and loved it. Still a lot to learn and interested in meeting new people.
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If you're an experienced finish carpenter, it won't matter that the subtitles in this video are in Dutch, because you'll be able to figure out exactly what this guy is up to.
In this thread from the JLC forum carpenters discuss which miter saws they use to cut smaller pieces of trim.
I don't normally link to manufacturers' videos – but this tool is so unusual that I just had to.
In my work as a finish carpenter, I use a variety of nails: 18-gauge brads for molding and trim, 15-gauge nails for door jambs, and 16-gauge nails for everything else. I prefer to work without hoses, and for the last 10 years have been using 16- and 18-gauge fuel-powered nailers from Paslode. They...
Last summer I built a set of craftsman style carriage doors for my house and decided to use mortise and tenon joints. I hadn't made this kind of joint before so I asked my friend, Gary Katz, how to go about cutting the deep mortises. He suggested using a lock mortising machine, a tool designed for...
And I mean that in a good way. I keep running across incredible inventions by Canadian woodworkers and it makes me wonder if there's something in the water up there or if maybe they get snowed in and spend all winter in the shop.
European tradespeople are not into the kind of generic utility knives used in this country; they prefer sheathed knives because they are better for heavy-duty work and can be designed for specific trades such as plumbing, electrical, carpentry, and painting.
Most carpenters scribe with a compass or a small block of wood. That works fine but requires a practiced hand to keep the pencil line parallel to the scribed surface. The M.Power Perfect Butt Profile Scriber makes the task easier.
Bostitch recently upgraded its 15-gauge finish nailer with an eye toward making life easier for the trim carpenter. The gun has a small, thumb-operated blowgun for clearing away dust and debris and a small battery-powered LED on the nose.
My name is David Frane and I am the new editor of TOOLS OF THE TRADE. This is a dream job for me because I have been fascinated by tools since the age of five, when my father gave me a hammer and handsaw and turned me loose on a pile of scrap wood. As an adult, I spent 20 years doing new...
Copyright ©
2016 Hanley Wood Media, Inc. All rights reserved.


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Valley of the Moon will be open from 6 to 8:30 Friday, Saturday, and SUNDAY too this week and next. We can't wait to see you there!
It looks like--for whatever reason --the Tucson Weekly posted this event in print & on the web... (Geez I wish they would treat All Souls Procession Ancillary events so well?) So this event is invitation only!!
Ooh, ooh, go see it! Nothing compares to "Out of the Past."
"Wave Flags, Blow Glass"
Oh yeah, I'll be doing both of those things with my boyfriend George.


text: By Elaine April 8, 2012 Video: The Stunning Twelve Apostles in Australia The highlight of the Great Ocean Road is the Twelve Apostles, limestone stacks standing 45 meters tall off of the coast. With so many picture perfect views and beautiful beaches in the area, it's well worth taking your time and making lots of stops. Share on Facebook Twitter Pinterest Google + LinkedIn Email Bio Latest Posts Elaine This Canadian travel enthusiast resides in Singapore and is the co-founder of Suma Lifestyle. As a former interior designer, her love of travel brings her around the world visiting the hottest destinations while scoping out the trendiest hotels, bars, and restaurants. Elaine shoots mostly with a Canon EOS 70D DSLR Camera and a Tamron AF 17-50mm F/2.8 Lens Note not all photos in her articles are her own. Website Twitter Latest Posts By Elaine Hotel Indigo Singapore Katong Now Open What Not To Miss in Penang Where to Eat, Drink, Stay and Explore in Yangon, Myanmar Previous articleSummer Time In Melbourne's St Kilda District Next articleHealesville Sanctuary Victoria You may also like Melbourne's Must Dos – Sip, Eat and Explore Healesville Sanctuary Victoria Summer Time In Melbourne's St Kilda District


text: First iPad-only daily newspaper launched Add to ... The Globe and Mail Published Thursday, Feb. 03, 2011 9:03AM EST Last updated Thursday, Feb. 03, 2011 9:05AM EST A daily newspaper designed by News Corp. exclusively for Apple's iPad is available for $40 annually, comparable to what some big-city publishers charge monthly to deliver their print editions. Watch More Video: Pokemon Go tips for budding monster hunters Solar-powered plane completes flight around the world 'Did you get one?' Reporter caught playing Pokemon Go in state briefing Montreal police have to shoo away Pokemon Go mob at 2 a.m. 'Graham' has the perfect body (to survive a car crash) Why this group is scaling giant trees to find a way to fight climate change Stunning aurora footage captured from ISS For that moment when you're stuck in an elevator and need a toilet Security flaw in popular 'Pokemon Go' app Twitter wants to stream NBA, MLS games Dolphins inspire breakthrough sonar technology Canadian creating giant four-legged mechanized suit for racing purposes How Britain's Industrial Revolution turned a peppered moth completely black NASA video shows how Jupiter and its moons move together A moment of anticipation: NASA employees celebrate as Juno reaches orbit Ivan Semeniuk explains importance of Juno probe's approach to Jupiter Juno spacecraft closes in on Jupiter Family, friends, news? How Facebook ranks News Feed content Watch NASA test the boosters that may send astronauts to Mars How to move 100-tonnes of beached whale carcass to a museum exhibit Comments AA More Related to this Story Will the Xoom challenge the iPad's supremacy? The future of tablets Follow us on Twitter: @GlobeTechnology


text:
About me
I'm a regular holiday traveller and in recent years I've been able to do more thanks to the budget airlines like Easyjet and Ryanair. I try to have 3 main holidays a year for 7-8 days which leaves a couple of weeks for long weekend breaks throughout the rest of the year.
I'm a European traveller. I've never really been interested in going further afield and I've visited most of the countries in Europe.
Some of that travel was linked to football. I'm an Aston Villa fan and we used to play in Europe! See Chapter 2.
I tend to head for the hills. I like mountain scenery and walking. I'm lucky in having a good crowd of friends who share my interests. You'll see reference to Kirk's Tours which is our unofficial name. My brother Tony and I tend to do the organising for our trips. Our motto is "Will the Kirk's Tour party please assemble in the bar!"
I have been known to drink a few beers. See Chapter 3.
My favourite place is Garmisch Partenkirchen in Bavaria and I've got the place logged in my travel pages. See Chapter 4.
I've done a list of favourite places and why. See Chapter 5.
Having said that there are very few places I haven't liked. See Chapter 6. If you like meeting people and having a few jars there's usually something good wherever you go and I'm easy to please.
I like music and over the years whenever I hear certain songs they remind me of places I've visited. Chapter 7 lists some of those songs.
In over 25 years there is only one person who is no longer welcome and I've saved Chapter 8 for "The Hen". I'm sure everyone else has gone away with someone and regretted it. Perhaps VT should set up a site so we can share those experiences and have a laugh about it.


text:
BY DAVID RUSSELL The Big East Tournament is being played at Madison Square Garden this weekend as it has been since 1983. The first tournament at the Garden ended with St. John's defeating B... Read more
Photos Courtesy Benjamin Cardozo High School Ron Naclerio graduated from Cardozo in 1975. BY DAVID RUSSELL Nobody who watched high school basketball during the 1981-82 season would have gues... Read more
File Photo St. John's coach Chris Mullins is off to a good start with the Red Storm. BY DAVID RUSSELL The Coach Chris Mullin era at St. John's has started with consecutive home wins. The fir... Read more
Jack Kaiser, Lou Carnesecca and Chris Mullin at Saturday's Dribble For A Cure. (Photo by David Russell) BY DAVID RUSSELL The St. John's basketball teams raised more than $100,000 for the Ped... Read more
BY DAVID RUSSELL There was a time when St. John's basketball was bigger than Duke. Chris Mullin and Bill Wennington turned down the Blue Devils to play for Lou Carnesecca's Redmen. Mullin b... Read more
BY DAVID RUSSELL It's a collision between past and present. Chris Mullin, arguably the greatest player in St. John's history, was introduced as the school's 20th head coach on Wednesday at C... Read more
The last time St. John's started a season 11-1, there was no three-point line in college basketball, and the NCAA had just added the shot clock. Mark Jackson led the Lou Carnesecca's Redmen... Read more
Steve Lavin often speaks of coaching icons he respects. There is St. John's legend Lou Carnesecca. And his current assistant Gene Keady, who Lavin calls "Mr. Miyagi." D'Angelo Harrison's thr... Read more


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ASUS Transformer Pad 300 Series launched
In its press material, Asus says that the Transformer Pad 300 series is aimed at the "young and trendy, tech-savvy set". Sadly, for Asus, that "set" all lives in Shoreditch, and you'll never get anything in to their hands apart from a copy of "Wallpaper" magazine and an iPad. Still, it's a valiant effort to interest the hipsters of our world.
The specs of the 300 series are reasonable enough. A 10.1-inch screen adorns the front, with a resolution of 1280x800 pixels, and it's an IPS panel, so expect some pretty impressive viewing angles too. It also supports multi-touch from up to 10 fingers - quite a lot of fingers, considering humans only have eight each, plus a couple of thumbs.
The 300 series is powered by a quad-core (with added Ninja-core) Nvidia Tegra 3 and 1GB of RAM. There's 16GB of internal storage too, and Asus also throws in 8GB of cloud backup capacity, so your important files should stay safe, even if something happens to the tablet. There are 4G, 3G and Wi-Fi-only models available and each has microSD and micro HDMI sockets. The optional keyboard dock adds full-sized SD and a proper USB port.
The camera has an 8-megapixel camera on the rear with an f/2.2 lens and can record video at 1080p. The front-facing camera has 1.2-megapixels, and will happily provide pictures of your face to anyone who wishes to video conference with you.
The 300 series is available in blue, white or red. They all have a depth of 9.9mm and weight 635g. Battery life is claimed to be around 10 hours, from the lithium polymer cell or 15 hours if you use the optional keyboard dock. We hope it goes without saying that Android 4.0 is pre-installed too, so you're bang up-to-date right out of the box.
Are you too cool for school or will you give up the iPad for one of these sexy little machines?
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